Theresa, NY
How exposed is Theresa to wildfire?
Theresa's 466 buildings earn a 10th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Theresa's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Where Theresa's buildings actually sit
51.9% of Theresa's 466 buildings sit in USFS's Direct exposure zone, roughly 242 structures close enough to burnable vegetation for flame contact, not just embers — 48.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How Theresa compares
There's little gap between Theresa's 10th national percentile and its 23rd percentile inside New York, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Theresa ranks 28,407 for wildfire risk (1 is highest) and 17,965 by building count (1 is largest). Within New York alone, it ranks 995 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
What this risk score means for insurance
Theresa's low wildfire rating (10th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Theresa
Because Direct exposure dominates in Theresa (51.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Theresa's 10th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Theresa, see the exposure-zones guide.